Your Money Guide on the Side Podcast Por Tyler Gardner arte de portada

Your Money Guide on the Side

Your Money Guide on the Side

De: Tyler Gardner
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Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 3M followers, Your Money Guide on the Side simplifies the complex, adds nuance to what seems simple, and connects you with the brightest minds in finance, investing, and business. Whether you’re just starting or leveling up, this is your one-stop resource to navigate your own finances with clarity, confidence, and a bit of fun. Let’s get you one step closer to where you need to be.© 2025 Your Money Guide on the Side Economía Finanzas Personales Gestión y Liderazgo Liderazgo
Episodios
  • The Rebalancing Lie Every Financial Advisor Tells You

    The Rebalancing Lie Every Financial Advisor Tells You
    Jan 12 2026
    A massive thank you, as always, to this week's sponsors: ⁠Copilot Money⁠: Want to actually see where your money goes without judgment or manual spreadsheets? ⁠Copilot Money⁠ connects all your accounts in one place, tracks subscriptions automatically (no more surprise renewals), and uses AI to categorize spending so you're not tagging transactions like a digital archaeologist. It's privacy-first (they don't sell your data), and they're an Apple Design Awards finalist. Use code TYLER at ⁠copilot.money⁠ for two free months, plus 26% off your first year for new users. If you're starting 2026 wanting clarity around your finances, this is worth trying—especially for free. ⁠LMNT⁠: Or if you're looking for a rehydrating drink that will help you feel better and avoid those mid-day sugar crashes, ⁠check out LMNT ⁠today. I drink this stuff religiously at this point, and the Mango Chili and Watermelon Salt flavors are about as good as anything I've tasted. Go to ⁠drinklmnt.com/tyler⁠ and let me know what you think when you try it! Get a free sample pack with any purchase! ⁠Fabric⁠: And if you have ANYONE who depends on your income, term life insurance is essential. That's why it's Step 3 in my financial order of operations, long before an emergency savings account or funding a Roth IRA. This is what will actually help the family if something happens to you. And you can get covered in ten minutes from your couch while watching Survivor. Go to ⁠meetfabric.com/tyler⁠ today and get the coverage you need. And on to the show notes! Rebalancing gets treated like financial gospel. Something you must do on a strict schedule, or else you’re somehow being irresponsible with your money. In this episode, Tyler pulls that idea apart. Yes, rebalancing matters — but it’s far less urgent, far less precise, and far less sacred than the financial industry wants you to believe. This is a practical, anxiety-reducing look at what rebalancing actually is, when it’s worth doing, and when you can probably stop worrying and go live your life. In this episode, Tyler breaks down: What rebalancing actually means, and why age-based formulas are mostly nonsense Why goals matter more than age when deciding your allocation When rebalancing barely changes outcomes — and when it actually matters How target date funds handle rebalancing for you, and when they work well How to rebalance yourself without overthinking it, especially inside retirement accounts Why rebalancing in taxable accounts is trickier, and when paying taxes is actually the right move How to rebalance using new contributions instead of selling — and why taxes shouldn’t paralyze you Along the way, Tyler explains why rebalancing isn’t about hitting a perfect allocation, why most people exaggerate its importance, and why alignment beats optimization every time. This episode isn’t about micromanaging your portfolio. It’s about making sure your money still reflects your goals — and knowing when you can safely stop tinkering. If you’ve ever wondered whether you should rebalance, whether it’s worth triggering taxes, or whether you’re overthinking the whole thing — this one’s for you. And if the show has been helpful, leaving a quick review on Apple Podcasts or Spotify genuinely helps. It helps other people find the show and keeps it going. As always, hope this gives you something useful to think about this week.
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    34 m
  • Why I Buy Stocks at All Time Highs

    Why I Buy Stocks at All Time Highs
    Jan 5 2026
    Here are some truly helpful resources from this week's sponsors: First, the ONLY way I am able to make this much content, day in day out, is by feeling my best. Always. And that starts with my working out each morning and needing something that doesn't leave me feeling like I just ate four pounds of candy. Enter LMNT. It is literally the product designed for people like me: need the fuel, don't need the crash, game on. Check out LMNT today here. And if you're looking to start 2026 with a bang, like, a "get my act together financially once and for all" type bang, check out Facet. They continue to practice what I preach, and they provide real advice from real experts for real people. Check them out today here. And now on to this week's the show notes! Most people say they believe in long-term investing. Far fewer people actually behave like it — especially when markets are at all-time highs. In this episode, Tyler tackles one of the most common (and expensive) investing mistakes there is: sitting in cash while waiting for the “right time” to invest. The twist? That “right time” almost never shows up, and the data is brutally clear about what it costs. Despite how uncomfortable it feels, buying stocks at all-time highs has historically been a perfectly reasonable — and often superior — strategy compared to waiting on the sidelines. In this episode, Tyler walks through five reasons why staying in cash is costing you a fortune: All-time highs are normal — markets hit them far more often than most people realize Even terrible timing beats no timing — buying at the worst possible moments still outperforms sitting in cash “This time is different” almost never is, no matter how convincing the headlines sound Missing the best days destroys long-term returns, and those days often arrive during chaos Doing nothing is still a decision — and it carries real risk Along the way, Tyler breaks down decades of market history, real return data, and behavioral traps that convince smart people they’re being cautious when they’re actually sabotaging themselves. This episode isn’t about ignoring risk or investing recklessly. It’s about recognizing that waiting for certainty is just another way to lose money. Markets go up. Markets go down. But sitting in cash while hoping to outsmart two centuries of economic progress has never been a winning strategy. If you’ve ever told yourself you’re “just waiting for a pullback,” this episode is for you. And if this helped you rethink your approach — or finally get out of your own way — leaving a quick review on Apple Podcasts or Spotify genuinely helps. It helps other people find the show and keeps this whole thing moving. As always, hope this gives you something useful to think about this week.
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    31 m
  • How to Save $50,000 in Taxes by Moving Your Investments to the Right Accounts

    How to Save $50,000 in Taxes by Moving Your Investments to the Right Accounts
    Dec 29 2025
    For those of you looking for more helpful resources, check out the amazing companies that make this endeavor in free financial literacy possible: 1) If you are running small business and DON'T want to make your taxes yet ANOTHER small business, check out Gelt today. They can help small business owners and high net worth individuals who are looking for strategy beyond filing. 2) And if you are tired (as I was for WAY too many years) of paying rent and feeling as if you were getting nothing in return, check out Bilt, and consider joining their renters' loyalty program. It is an amazing way to -finally- get something back after years of feeling like you're throwing money towards someone else's equity. Most people spend a lot of time obsessing over what to invest in. Very few people think seriously about where those investments should live — and that mistake can cost you tens of thousands of dollars over a lifetime. In this episode, Tyler breaks down account placement strategy — the unglamorous, aggressively unsexy topic that quietly determines how much of your money you actually get to keep. Because just like real estate, with investing it’s all about location, location, location. This isn’t about finding the perfect fund. It’s about putting the right investments in the right accounts. In this episode, Tyler covers: The three main types of investment accounts — tax-deferred, tax-free, and taxable — and what each one is actually for Why taxes matter more than most people realize, and how bad account placement creates avoidable tax bills Which investments belong in retirement accounts (and which absolutely don’t) How access and liquidity should shape where your money lives, especially if you want flexibility before retirement Why volatility feels different depending on the account, and how to use that to your psychological advantage Real-world examples showing how small placement changes can save real money over time Along the way, Tyler explains why “max everything and figure it out later” isn’t always smart, how over-locking money can quietly limit your life choices, and why the goal isn’t tax perfection — it’s alignment. Alignment between your accounts, your investments, your time horizon, and the life you actually want to live. This episode isn’t about optimizing every dollar with spreadsheets and IRS tables. It’s about not making preventable mistakes. Put tax-inefficient investments where they’re protected. Put volatile investments where you’re less likely to panic. Put short-term money where you can actually reach it. And stop throwing money into random accounts and hoping it works out. If this episode helped something click — or made you realize you might want to move a few things around — leaving a quick review on Apple Podcasts or Spotify genuinely helps. It helps other people find the show and keeps this whole project going. As always, the goal isn’t perfection. It’s getting one step closer to alignment. Hope this gives you something to think about this week.
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    43 m
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i so enjoy Tyler's teaching style. One really does not need to "google" money terms because of his down to earth approach. I listen weekly and refer back often. I do wonder what are the names his hounds?
Thank you and happy investing!

Honest & Integrity

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Tyler’s down to earth discussion and his helping me to understand 1 level down - it’s a great listen for a novice like me… just enough to make me dangerous… or set for life!

I started following his short content as it showed up on my social media - and as he discusses in the podcast - it’s difficult to get across a lot in a 30 second bite size video - but those peaked my interest and got me to find the podcast here…

Very happy with the listens so far… except I walk around my neighborhood while listening… not through the woods of Vermont.

Down to earth - easy to listen to

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Tyler is great at making complex topics simple. He provides real examples & debunks myths while also addressing the psychological components of money that most ignore.

the best & easiest to understand financial podcast

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